OSHC Family & Couple Price Calculator
Compare Overseas Student Health Cover premiums across all 5 providers — for single, couple, and family cover. Select your visa duration and see the exact total cost side by side.
Cover type
Visa duration
Showing single cover for 12 months
| Provider | Monthly avg. | Total cost | Apply |
|---|---|---|---|
| ahmCheapest | AUD 52/mo avg. | Apply → | |
| Allianz CareCheapest | AUD 70/mo avg. | Apply → | |
| BupaCheapest | AUD 63/mo avg. | Apply → | |
| MedibankCheapest | AUD 68/mo avg. | Apply → | |
| nibCheapest | AUD 57/mo avg. | Apply → |
Prices in AUD, 2026 rates. Proportionally calculated for durations other than 12 months (OSHC is priced per day). Couple and family rates are shown only for providers with a published 2026 rate card (Medibank, Allianz Care) — ahm, Bupa, and nib do not publish one, so those are marked "on request." Always confirm the final premium on the provider website before purchase.
Frequently Asked Questions
Which OSHC provider is cheapest for couples?
Medibank and Allianz Care are the only two providers with a published 2026 couple rate: Medibank is cheaper at AUD 4,018/year, Allianz Care is AUD 5,516/year. ahm, Bupa, and nib have not published a 2026 couple rate card, so we show those as "on request" rather than guess.
Which OSHC provider is cheapest for families?
Medibank's published 2026 family rate is AUD 6,775/year and Allianz Care's is AUD 9,809/year (2 adults + unlimited dependent children) — Medibank is the cheaper of the two. ahm, Bupa, and nib have not published 2026 family rate cards, so we list them as "on request" until we can confirm directly with each provider.
Do partners and children need their own OSHC policy?
No. Partners (spouses or de-facto) and dependent children can all be added to a single couple or family OSHC policy. All covered people are listed on one certificate, which satisfies the Australian student visa requirement.
How is OSHC priced for longer visa durations?
OSHC is priced per day, so a 24-month cover costs exactly double the 12-month rate. There are no bulk discounts for longer terms — the daily rate stays the same across all durations.
Can I upgrade from single to family OSHC mid-visa?
Yes. You can upgrade your cover type at any time by contacting your provider. You will pay the pro-rated difference for the remaining period. There are no penalties for upgrading.
Compare all OSHC plans in detail
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